According to the Ministry of Economy and Finance, in 2026, state subsidies for mortgage loans in Uzbekistan exceeded 1.141 trillion soms. These funds were distributed among 12,355 citizens across the country.
The total amount allocated was divided: 367 billion soms went to cover partial or full down payments, while 774.1 billion soms were directed towards compensating interest payments on previously issued mortgage loans.
Subsidy Distribution by Region
The largest volume of down payment subsidies was recorded in Andijan region, where 1,472 recipients received 43.8 billion soms. Fergana region ranked second with 1,410 recipients who were allocated 41.9 billion soms. Namangan region provided 1,406 citizens with an amount of 41.6 billion soms.
Other regions with high distribution figures include Kashkadarya (1,260 people, 37.5 billion soms), Surkhandarya (1,184 people, 35.4 billion soms), and Samarkand (1,030 people, 30.4 billion soms). The smallest subsidy amounts were noted in Syrdarya region, where 410 recipients received 12.2 billion soms, as well as in the city of Tashkent, where 389 people received 11.6 billion soms.
Leaders Among Financial Institutions
Among commercial financial organizations, Agrobank was the leader in issuing subsidized mortgage loans, serving 3,779 borrowers for a total amount of 112.3 billion soms. This sum includes 151 borrowers who received targeted mortgage loans worth 6.12 billion soms.
Ipoteka-bank came in second place, providing 45.4 billion soms to 1,538 borrowers. Following them are Xalq Bank with 40.8 billion soms for 1,371 borrowers, Business Development Bank, which allocated 39.2 billion soms to 1,326 borrowers, and Uzpromstroybank, which directed 34.8 billion soms to 1,164 borrowers.
The smallest lending volumes were registered at Asaka Bank (107 borrowers, 3.2 billion soms), Orient Finans Bank (42 borrowers, 1.2 billion soms), and InFinBank (2 borrowers, 0.1 billion soms).
The Ministry clarified that this subsidy program covers both down payment support and compensation for interest on previously issued mortgage loans.